Christine Ng

Senior Financial Services Consultant

Christine Ng

Senior Financial Services Consultant

Joining this industry, I seek to help my clients achieve financial security with clarity to lead a purposeful life, just as I aim to achieve that for myself.

Being financially secure simply means they are able to take care of their loved ones, enjoy their relationships, work on things they love and lead a purposeful life by helping others around them.

Apart from offering a holistic approach to financial planning, meaningful and long-term relationships are what I value most.

I enjoy speaking to individuals who are respectful, genuine and responsible. If these are values you resonate with, I would love to get to know you and partner on working towards this common goal!

Oh and in my free time you'd find me having fun with cooking and baking or hunting for good food! :)

Holistic Planning
- Personal Financial Planning
- Wealth Accumulation
- Retirement Planning

Fresh Grads | Young Couples | Families

Work
- TrueNorth Financial, AIA SG
Credentials

Newsletters

Articles Worth Sharing

Newsletter Issue 93: Happy Travels

Embark on meaningful journeys with insights to plan memorable vacations, navigate budget travel, and uncover cultural treasures. Whether you’re crafting a family adventure or exploring last-minute deals, these ideas inspire travel that deepens connections, stretches savings, and invites discovery.

As families navigate the challenges of exam season, it's important to foster resilience, support growth, and nurture well-being. These insights explore how to create a balanced, supportive environment for children, helping them thrive academically, emotionally, and financially.

Persistence and perseverance are the cornerstones of personal growth. As we enter the final stretch of the year, these traits become even more essential. Discover ways to harness determination, build resilience, and stay committed to your goals. Even when the journey feels long and challenging, remember—you’re closer than you think. Let’s push through this last lap together.

Navigating the rising cost of living requires strategic planning. This issue provides tips on budgeting, skill development to increase income, and utilising resources to manage money. I hope these strategies help empower you to stretch your money further and maintain financial stability.

Prioritizing our health and immunity is essential, especially with summer holidays and travel on the horizon amid the recent surge in COVID-19 cases. Here are some practical tips, nutritious recipes, and expert advice to keep you safe and ensure healthy and enjoyable summer vacations for you and your loved ones!

As we approach the time of year when scorching temperatures send us seeking refuge indoors, this issue offers essential tips and strategies for managing the heat. Arm yourself with knowledge and discover ways to stay cool, hydrated, and healthy amidst the sweltering heat, ensuring you thrive in your daily life!

Life is a multifaceted journey of growth and transformation. From overcoming setbacks to embracing professional and personal development, this issue contains wisdom on self-forgiveness, career and financial success, and the limitless power of lifelong learning. The process of growth may not always be easy, but it will be worth it. I hope this enriches your life.

Amidst rising costs, aging and retirement planning is becoming a growing concern for many. Yet, more than just ensuring financial readiness, one who is planning to retire also needs to be psychologically prepared for the shifts in lifestyle, routine and everything that comes along with it. In this issue, let's explore expert tips on staying healthy, mentally sharp and financially secure, so we can age gracefully in our golden years.

As we embrace 2024, discover essential insights for a prosperous journey ahead. Explore key financial strategies and economic trends aligning with the Dragon Year's promise of prosperity. Immerse in the cultural vibrancy of the Lunar New Year celebrations. I hope this issue with its blend of wisdom and practical advice equips you to navigate the opportunities and challenges ahead with confidence. Together, let's ride the Dragon!

In this issue, here are some insights on mindful reflection, effective goal-setting, and strategic reviews. I hope this helps you equip yourself for a thriving year ahead with impactful resolutions and fresh perspectives. Let's embark on this journey of growth and renewal together.

Embrace the spirit of the holiday season in this month's issue, where cherished traditions meet thoughtful innovation. From smart savings and healthy feasts to meaningful gifts and cozy stays, our collection of articles offers a reflective journey through holiday warmth. Savour every moment with our handpicked tips and recipes, and let's celebrate the joy and generosity that define this wondrous time of year.

As inflationary pressures continue, affecting both individuals and businesses, it is vital to equip ourselves with effective strategies to navigate this environment. This issue provides pragmatic insights and ideas, guiding us to not only weather these economic challenges but also thrive in the midst of them. I hope this brings us greater financial resilience and empowerment.

In celebration of Children's Day, here is a friendly collection of articles brimming with insights! I hope these writings can guide us in embedding valuable skills, boosting financial literacy, and laying down a roadmap to raising resilient, balanced children. May we empower the upcoming generations, helping them blossom into well-rounded and holistic individuals. Let's cherish the joy of nurturing our future

Making decisions on property is not trivial, as they often have effects on our quality of life in ways that are not just material but also financial and emotional. Regardless of our experience levels in making decisions on our properties and homes, it helps to have an appreciation of what resources are involved, and how we can be resourceful about them. I hope you find the materials in this issue useful.

In today's rapidly ageing society, advance care planning and long-term care planning are emerging as critical considerations for ensuring a comfortable and secure future. As we journey together through the intricate aspects of planning for what lies ahead, it's never too early to make such vital decisions. It's your future; plan it well.

In the delicate balance between awe and envy lies an opportunity for growth. Awe opens our eyes to the beauty and possibilities around us, while envy stirs our desires for improvement. By using awe as a wellspring of inspiration and envy as a catalyst for positive change, we get to harness these emotions to fuel our ambitions, cultivate empathy, and create a brighter future for ourselves and others in various aspects of our lives.

As artificial intelligence (AI) and chatbots like ChatGPT become ever more prevalent, AI’s potential to transform our lives and economy cannot be understated. With the increasing adoption of these technologies, they will not only transform the ways we use or consume information, but they are also poised to play a pivotal role in just about every aspect of our lives, including work, finance, and parenting. In this issue, we explore the nuances of AI and the possibilities it brings to our world.

Whether we are mothers ourselves or simply have someone in our lives who has played a motherly role to us, chances are, our lives have been influenced in profound ways by motherhood. Let's take a moment in this issue to honour, value, and draw lessons from the incredible wisdom of women and mothers who have impacted our worlds.

Necessity is the mother of invention. Throughout history, humans have demonstrated the ability to innovate, solve problems, and create solutions in the midst of crises, resulting in some of humanity's greatest inventions. All it took was resourcefulness, action, and persistence. Through this issue, I hope to provide insights into how we can live life constructively and creatively, regardless of the challenges that we may face today.

As we get back into the groove of work, our most important arsenals have to be our health and brains. After all, these are essential in allowing us to lead a functional and meaningful life. To do that, we need to take care not to fall ill and ensure that we upkeep our physical, mental, and social well-being. Let us explore in this issue the various ways that help us protect and strengthen our overall health.

For many, the festive season is a time of food, celebrations, social interaction, and hype. Coupled with the continuous demands of work and life, such periods can sometimes leave us feeling drained, and some of us may even struggle to get a breather. In this issue, I have put together resources on how we can possibly wind down and benefit from more intentional quiet and less noise.

As the world enters a recession, the upcoming year can pose a challenge for many due to increasing economic uncertainty, and the natural fears surrounding it. In this issue, we look at some trends and possible actions that can help us become more emotionally and financially resilient to not just ride out the challenges, but rise above them. I hope this gives us hope.

We live in three distinct timeframes - the Past, the Present, and the Future. Many times, we tend to live and make decisions based on what gives us immediate gratification, and often to our detriment. Despite not knowing what tomorrow will bring, planning ahead removes uncertainty and provides clarity to our lives. In this issue, I have included articles that I hope will inspire you to take actions that your future self will thank you for.

Many of us lead busy and stressful lives. Even when we may be caught up meeting deadlines, sprinting towards our next goals, or looking after our families, we cannot neglect taking appropriate breaks for our well-being. While it may feel counter-intuitive to do so, sometimes the best thing is simply to step away from the four concrete walls to go for a walk outdoors. It refreshes the mind, body and soul, and is beneficial for our health and creativity. So let's lace up our trainers and walk our stresses away.

In an environment of rising inflation and uncertainties in global geo-political climate, almost no one is spared from the economic consequences of the day. It is therefore more important than ever to be intentional and mindful in how we manage our finances in our daily living. Here, I have put together some resources which you can tap on to help you gain a better insight on how you can be more savvy with your money.

Every one is different, and differences in opinions, interests, backgrounds and personalities tend to come with conflicts. Whether is it our co-workers, friends, family members or even our partners, disputes are not only common, but they're natural and sometimes inevitable. The question is, while such conflicts arise, how do we navigate them? Do we attempt to work through issues amicably with others, or do we allow our egos and emotions to rear its ugly head? Today, we look at practical tips on how we can manage ourselves and relationships in more mature ways.

As humans, the pursuit of change and progress is something that is innate to every one of us. Like it or not, there will always be things in life that we hope could be a little different, a little better in the way that daily situations & events turn out. It could be in the way we think, speak, or the way we handle everything from our finances to our relationships with others. We seek to become better -- and we should. As we strive to continuously exceed our potential, we rise above all previous versions of ourselves and grow stronger. In this issue, we look at some ways in which we can embrace a better self and an even better future.

In life, there are days and moments where everything we do does not feel enough, or face situations that are beyond our control. A common response to such instances is to doubt ourselves and our abilities, and that is a very normal and human thing to do. But the effect of self-doubt can cut both ways: It can either spur us to achieve our goals and thereby boost our confidence levels, or cause us to feel entirely powerless and paralysed. Fortunately, whether we allow it to work for or against us is mostly up to us. In this issue, we will explore the ways in which we can harness self-doubt to build confidence -- one step at a time.

Statistically, most people live till an average age of 80 years. Although this number varies across cultures and nations, we cannot deny that life is still all too fleetingly short. 80 years a lifetime translates to 80 summers and 80 winters - to love, laugh, live, and make the most of our time on this earth. Far too often, when faced with our mortality, we look back at our lives and think of all the things that could have been different. Regret may sometimes be inevitable, but it is still possible to live an unlimited life with the limited time that we have. In this issue, we look at some of the ways we can do so.

For the past years, given the pandemic and restrictions, many of us were forced to re-evaluate how to plan and book trips for holidays, or consider whether we should even be planning for any travel at all. Now, as borders are opening up, we have reached a stage where many of us are ready to start traveling again and make vacation plans once more. The catch, though, is that traveling will likely continue to be complicated as new variants emerge. How then do we plan for travel? In this issue, we explore this matter in more depth.

Life can be unpredictable with obstacles, making it sometimes difficult to stay afloat. Whether it is the loss of a loved one, stress from work, or financial woes, everyone faces challenges and does at some point, struggle with remaining optimistic or hopeful. Nonetheless, it is still important to maintain positivity to keep us going; by finding the good in the bad, and being the light in the darkness. For this issue, let us explore on what being positive means & how we can harness it in ways that truly benefit our lives.

As humans, we have an innate need for connection and approval from others. Often, we make an effort to gain validation and this is natural. Yet, in our world today, this need for others’ approval becomes magnified; as many of us are constantly plugged in on social media, we tend to get caught up in the pursuit of “likes”, “shares”, “follows” & engagement. These can have implications on our mental well-being and happiness. Through this issue, I hope that we can be more aware of the impacts & risks associated with excessive use of social media, and what we can do about it so that we can live out our best lives.

It is a season of feasting, socialising and spending time with our family and friends. Amidst the bustle of festive preparations and joviality, let us not forget to take care of our well-being even as we celebrate this time of wealth, health and happiness. Stay safe, savvy and prosper!

By this time, we would have endured quite a long period of the COVID-19 pandemic and many things have changed. Collectively, we have adapted to new ways of living, working and socializing. While there is no telling of when this pandemic will truly “end”, one thing’s for sure: Life goes on. The best we can do is to continue to look towards the future and live out the best we can. As we head into a new year, here are some predictions and trends we can look forward to.

In times of uncertainty, it’s easy to get overwhelmed. With the COVID-19 outbreak, we are faced with the challenge of adapting life around the virus and navigating intense market volatility. This leaves many of us feeling anxious and even disempowered.

Confucius, the Chinese philosopher, left us with these words to contemplate: The man who asks a question is a fool for a minute: the man who does not ask is a fool for life. As the year winds down, it is time to reflect on some popular and widely - accepted beliefs and misconceptions that we may hold that do not serve us in achieving our goals and desires. Today, we look at debunking some of these misconceptions to expand our thinking and explore new perspectives and horizons.

In meeting the demands of work and every day life, many of us can feel compelled to do all things at once, and may become overwhelmed or less effective as a result. To counter this, it is worth taking a moment to adjust our pace; to give ourselves the space to practice taking one step at a time in the ways we perform our tasks and how we manage our minds & emotions.

As human beings, we are a culmination of our environment, decisions, behaviours and habits. It is worth giving thought to how we live our lives; taking a step back to reflect on some of our own less-than-ideal tendencies and ponder about how we can mitigate or improve upon them. Here are some resources that I hope can help us foster habits and patterns that can create an upward cycle for ourselves over time.

In a world where more of us are increasingly working remotely, the issues of exhaustion, burnout and digital fatigue have become more pronounced in recent times. The implications on mental health and quality of life are real. Here are insights and resources that I hope can help us better understand the nature of the burnout that we may experiencing. More importantly, we can learn to manage, uplift ourselves and also the people around us.

Leadership is the act of guiding a team or individual to achieve a goal through direction and motivation -- and there is a leader in all of us. This issue contains insightful resources and pointers that touch on the various under-talked about but important aspects of leadership. I hope this inspires us to not just exercise good leadership in our daily lives as individuals and organisations, but more importantly, help us get through and thrive even in difficult times.

As our personal lives get increasingly intertwined with our work in this season, it becomes more important than ever to find ways to devote our energies to become more effective & productive as individuals. Here, I'd love to share with you on some resources and powerful ideas on how we can not only become more productive, but also make our work & daily life more meaningful in the process.

What does it mean to lead a good life? The meaning of a good life, or life for that matter, is subjective. But there are some evergreen truths and wisdoms that we can all live by that help us gain the most out of life even through obstacles and challenges. In this issue, I have put together for you a series of insights, tips & advice by some of the best thinkers throughout history on how to live out a good life. I hope these resonate with you.

Dignity is the state or quality of being worthy of honour or respect by virtue of being human, and every person has an intrinsic need to feel valued and needed. Yet, in our world, there is often a gap between the ideals and realities of how dignity is accorded to individuals across age, gender, social statuses and financial positions. In this issue, I'd like to bring attention to the topic of dignity, and the ways which we can protect & honour the dignity of others and ourselves.

Women have long played a huge part in our society and economy. When it comes to uplifting women, the work extends beyond just international women's day or month. In fact, it requires continuous effort from not just leaders, but also every day folks like us to recognise and appreciate the great potential of women in our lives. In this issue, I'd like to share insights on how we can be enablers of women's progress while staying aware of the realities and struggles they may face. I hope this helps us in empowering the women and girls in our midst.

When was the last time you received kindness from somebody? When was the last time you extended an act of kindness to someone else, and to what end? As it turns out, there can be tremendous merits and outcomes in paying forward a kindness received with a good deed to somebody else, especially when done out of gratitude. The concept of "Paying It Forward" is nothing new, but in our world, I believe we could do with more compassion and selflessness as it brings out the best in us.

As we begin a fresh year, it is a good idea to not just evaluate ourselves based on the previous year on how we have been managing our lives, but also to find out ways to become more productive as we move along. In this issue, I'd like to share with you some powerful ideas on productivity and how we can make the best of our resources, time, energy and capabilities. Let's do this!

In the words of Poet Ali in his TED Talk, "Every language we learn is a portal by which we can access another language"; the more we know, the more we can speak. To round off the year, I'd like us to take a moment to learn new concepts, stories and ways of seeking and connecting, which will empower us to adapt to the needs of others & ourselves in the way we relate, love, heal, and see possibilities. I hope this inspires you.

In a year where many of us are affected and perhaps feel powerless over our incomes amidst a pandemic, it is a good time to take stock of our financial health and confront our feelings about them & the way with deal with them. Whether we are young, middle-aged or senior, here are some important principles & practical tips on money management that we can fall back on which can go a long way into helping us optimise our finances and become financially wiser.

All of us would have people around us that we learn from in our lives. And people whom we in turn teach and need to be accountable to at some point - as students, working adults or parents. The better we are at relating and leading others into growth, the better we become as individuals. In this issue, I hope we can draw some lessons and wisdom from these materials that can help us cultivate values and cultures that we want in our lives and lift us up.

As humans, we often like to think we're right, even when we can be wrong at times. Many of us have the unconscious tendency to seek information that support our existing beliefs & disregard or undermine those that do not match ours. But doing so without awareness or questioning can have adverse effects in the way we think, make decisions & live our lives. Today, I'd like to share with you some potential consequences of confirmation bias & what we can do about them.

The world as we know it has changed for good on pretty much every level - from our lifestyles, to habits, to incomes and economy. As we navigate our way and find our place in trying times, it is important to stay grounded and keep the faith as we focus on seeing and creating opportunities, solutions & meaning. While there are no quick fixes in times like these, there's still a space for us to find ways to improve and cope better in our lives. I'd like to share them with you in this issue. Let's keep our heads up in choosing to persist in hope & good thoughts, and I believe we will emerge stronger than before.

As they dedicate their love and lives to their households and make constant sacrifices for their family’s & children’s well-being, mothers never retire. For all these, moms deserve more thoughts besides during Mother’s Day. But should mothers also think about planning their own retirement — financially speaking? In this issue, as we give tributes to all mothers, we would also like to give thoughts to a mother’s financial freedom. Mothers deserve a worry-free retirement as well.

Albert Einstein said, "Compound interest is the eighth wonder of the world. He who understands it earns it. He who doesn't, pays it."

Today's phone in our pocket has 100,000 times the power of the computer that landed man on the moon 50 years ago. Our world is evolving at breakneck speed today. The World Economic Forum projected that more new jobs will be created compared to the ones lost. Uncertainty remains about what these new jobs would be. But the time to change our approach to learning new skills has come. The time is now. The 4th Industrial Revolution has begun.

There are many new things to deal with at this time while we are being isolated from life-as-usual. A new lifestyle, a new future and something that can be quite subtle - a new kind of burnout. It should do us well to be aware about this so we can learn to disengage when we need to. I wish you and your loved ones good health and may you continue to stay safe!

Amidst a pandemic, the profound impact & discomfort of loss or the prospect of loss is felt almost universally. We may find ourselves and even those we care about feeling anxious & restless, which makes it challenging as we find ways to adjust not just physically, but also mentally & emotionally. At this time, emotional support for one another becomes ever more essential. Here, I'd love to share with you insights that can help us have a deeper understanding on the complex emotions that we may be dealing with, & the ways in which we can provide meaningful social support in our daily interactions through being present & holding space for others.

What the eyes cannot see is bringing countries to their knees as we write. The full impact of Covid19 is still unknown. It has ushered in a new reality for the World. Our lives will never be the same again. And Covid19 won't be the last. While we #fightasone, let's see how we can prepare ourselves and our children for this new future - together. Here are some good reads that I believe can help us rethink this new future and its possibilities. If you find these resources useful, please forward them to those you care about, especially at a time such as this. Cheers!

Here's wishing you and yours a very fruitful 2020, and the best is yet to come! Another year, and what better way to start it with a collection of thoughts that might turn out to touch your life for the better? I hope you could find something useful and share along with those you care about too. Cheers for a blessed 2020!

When the going gets rough, it can at times be easy to lose sight of what we set out to attain in our lives, be it in our personal endeavours, work or finances. The process of going & pushing through such situations may not be most comfortable, but persevering and talking about how to handle them is necessary. These are perspectives I found useful and inspiring. I hope this gives you hope.

In many ways, relationships are key to our well-being, as trusting, fulfilling relationships lay the foundation for our emotional health and security. But to work through relationships and trust matters aren't always linear or clean - they can be messy and raw. Here are some articles that I found incredibly valuable that enrich us in our personal and professional lives.

Change is hard. To force change is harder. They usually don't last. Perspectives however, are easier to accept. They change our minds and maybe that's what we need more than change itself. I hope you enjoy these articles.

These are some rather transformative articles that could help you and those you care about. So please be free to share them. I hope you find them beneficial. If you like them, do drop me a note and I'll be very glad to know I've added value and touched someone.

The lack of sleep being linked to chronic illnesses like diabetes and heart disease isn't a happy story. Certainly not for those of us who are more conscious about building happiness in life. Please share this newsletter issue with those you care about. We can impact lives together!

The Bucket List - chances are that you may not have made one. It is an interesting journey that we can take together. It's also a lot easier taking a peep at some of the most inspiring bucket lists that we have put together to share with you. Let's start one and live it out!

Since our taste buds are not working like black and white TVs. We know it's meant for some tasty good food. Yummy! Let's stay healthy, and also up our knowledge about making some nice interesting food. Here are some really good resources curated for you.

There's a man in Singapore, that every time he concludes a business deal, he would go buy a plant and plant it somewhere. It's a simple way of giving back. He was also able to disengage and be with himself while doing something meaningful, albeit how simple it was. In this issue are some more examples of such life's lesson that we can benefit from. All we need, is to just take some time, slow down and breathe in the fresh air.

There are just too many things that we know to be good for us, but have not yet become a part of us. Applying wise financial habits may be one of them. Here are some to learn about by seeing them from the eyes of a very successful woman - Oprah Winfrey. Change requires conscious efforts. I hope some of these thoughts will begin to be a blessing in your life. Cheers.

In case you missed the news, besides the big 3 - US, Russia & China, tiny Singapore would be the next to send a human into Space using a helium Stratospheric balloon capable of lifting an SUV. This is a 5 years arduous journey filled with many inspiring stories. A Visionary who saw the possibilities, followed by 150 applicants to be Singapore's first Astronaut, and finally an extraordinary individual to make the trip, laying his life on the line. Yet his project isn't about Space. It's about creating a better mental model for Singaporeans - that with the heart, mind and grit, we can do great things. Enjoy this historic moment.

Or rather, this issue is about learning the secrets of being interesting. Even calling it a secret is a little too much. In today's world of overwhelming information overload, it's about paying attention to certain things that some people do to make themselves more interesting than others. We can all do better in life with a little dose of this knowledge. So let's dig in!

In this issue, I'd like to do something different. All of the highlights are very interesting videos from TED talks about the way we think. The videos are between 15 to 30 minutes, but they are well worth your time I promise. Hope these resources will help create marginal changes in your life every so often. Let's be enlightened together!

Research seems to point to the fact that those who engages in deeper conversations with others are happier people. This is what I call a happy finding. It levels with what makes us human. We speak, we listen, we feel, we learn, we take and we give. And deeper conversations allow us to lift each other up.

In the last issue, we discussed how robots will change our lives in the future. It has become increasingly important for us to keep our minds on the ball, stay sharp and stay progressive. If half the jobs in 2020 are yet to be known to us, how can we prepare ourselves and our children today? To face a fast changing future, we need to first understand it. We need to try and take a peek into this future and start to embrace change.

We have come to a very unique juncture in time, where we are transitioning into the 4th industrial revolution. This is a time where technology as we know it will start to escalate in its rate of change. Our lives and jobs will surely be impacted. But how? It is time to consider this and take stock of where we might stand now and three to five years later.

From a parent to a child, between friends and professionally in the workplace - there's something special about the role of story telling. And we've a lot to learn from the world's great story tellers. Some of the best are comedians, public speakers and politicians. But there's more. I hope the following articles will help you get started in this interesting journey of learning and exploration.

It's been a while since the subject of Retirement was discussed. In this issue's video, it's quite interesting to see how children have different ideas about Retirement. I'm sure all of us have our ideas as well. Yet life can mercilessly erode these dreams. But not if we are really serious about them. So how serious is your retirement dream?

The future seems to come at us at a faster pace than before. It brings along with it many questions. Will automation take over our jobs? What new jobs will be created? And which existing ones will be obsolete? How can we survive? Yet some things don't change. Understanding the things that will change and those that won't can help us carve out a better future.

Most of us find it hard to change even when we know we need to. If only it's as easy as a walk in the park. But once in a while, a certain change of perspective is all it takes. Hopefully, today can be one of those time for you. We can gain some insights and wisdom from these articles that are worth sharing.

Do we need to get better at time management? Or do we need to instead think about Time itself? More specifically, what it means to us - with the very limited time that we have. The answer would be different for each of us. But I'm rather certain that taking time to ponder about Time itself can be a fruitful thing to do.

The World Health Organization's latest report says diabetes has quadrupled in the past 34 years. It's certainly something that we should care about. Not just for us, but also our loved ones. Here's a starter to help us understand and prevent this disease better.

Health is important, so is a good life and great food! One of the great thing about being in Singapore is that there's always new food places to explore. In this issue, I'd like to bring you to a couple really good yummy places - wrapped up with a hilarious video you don't wanna miss.

Singapore is growing as a cultural center. But why is Art important? And how can Art, in its many forms make our lives better? Deep within all of us, there's a need for expression and appreciation. There's certainly more for us to explore and learn about Art. Do not miss the video below. Oh how beautiful this is ~ a celebration of art and life!

It is always quite refreshing to discover new things about our health. In this case, Vitamin C is one of those surprises. Do watch the video below till the end ~ it could be a life saver. But please seek your doctor's opinion as well.

The more we read, the more we can share. And sharing is caring. Here are a few interesting articles I'd like to share with you in this issue of my newsletter. Remember to pass it along to those whom you care about too.

It isn't the bucket either. One good news is that more people are now surviving cancer. The other good news is that life expectancy has increased from 75 to more than age 80. But hold that thought for a moment - it's only good news if one is financially prepared to survive such a critical challenge.

We may have thought that creativity is a realm belonging to a selected few. But is it? In this issue, we explore together some interesting stories that may strike a chord of inspiration for you. You can be creative too.

Testimonials & Referral Notes

Patient and clear

"I cannot express enough how grateful I am to have met my financial advisor. Her patience and ability to explain complex concepts in a clear and understandable way have made a significant difference in my financial journey. She takes the time to ensure I fully grasp every detail before making any decisions, which has greatly increased my trust in her expertise.

I feel confident and secure in my financial choices, knowing I have her support every step of the way. I highly recommend her to anyone looking for a knowledgeable and caring advisor."

Melissa

Attentive to my needs and concerns

"As this was my first time getting insurance for myself, Christine was very detailed in explaining the policy details, taking great care to go through every aspect to make it easier for a first-timer like me to understand. She is also attentive to my needs and concerns to put together a plan that fits my financial capability and current needs. Thank you Christine!"

See Miang, Procurement Assistant

Friendly, patient and not pushy at all

"Christine is very friendly and explained the policies in details. She is also very patient in answering my enquiries and not pushy at all. Will highly recommend her if you are looking for an insurance agent. Thank you"

George Hong, Project Manager

Showed patience and great understanding of my needs

"Christine was introduced by our common friend. During the first meeting, she showed her patience and great understanding of my needs. She paid great attention. She took the initiative to think of the best insurance plan to meet my real needs. She's never pushy.

Strongly recommended if you need an insurance plan or financial plan. She is definitely the consultant that you should meet."

Howard, Lecturer

Went the extra mile

"Christine is a very sincere, friendly and patient person who is easily approachable and genuine. I felt comfortable communicating with her regarding the insurance concerns I personally faced; she is always eager to address any queries or doubts I might have.

Furthermore, she is a very knowledgeable consultant who went the extra mile to thoroughly understand my insurance needs first, and then, she meticulously strategized the most optimal plans to achieve these needs to the best of my interest.

I deeply appreciate her effort and work. Thus I would highly recommend Christine to anyone who seeks a dependable financial services consultant."

Jay Lim

Dedicatied, clear communication and trustworthy

"I'm thrilled to offer my strong recommendation for Christine Ng as a financial planner. Introduced to her by my best friend, my first impression was highly positive. Christine took the time to understand my insurance policy needs and crafted a tailored plan that matched my situation perfectly.

What sets Christine apart is her ability to explain complex insurance policies clearly and without any pushy sales tactics. Her deep knowledge of insurance policies inspired confidence in her recommendations. Throughout our interactions, she patiently answered all my questions, ensuring I fully understood the policies.

Even after policy approval, Christine's dedication remained unwavering. She provided regular updates and ensured I was satisfied with my coverage. Her commitment is truly commendable.

Christine also went the extra mile by providing a clear chart illustrating my coverage, making it easy for me to grasp the intricacies of my financial plan.

In short, Christine Ng is a standout financial planner. Her dedication, clear communication, and trustworthiness make her an excellent choice for anyone seeking expert financial guidance. I wholeheartedly recommend her."

Evonne How
Senior Strategic Account Manager

MEDICAL INSURANCE PLANNING

"Christine is really a great advisor, she serves with pride and sincerity, most importantly without compromising the standards."

Steven Wong, Sales Representative

Responsive and responsible

"I got to know Christine through a mutual friend. Working in a customer-oriented field myself, I find Christine to be a very responsive and responsible FA. She has provided me really great support all these years which I'm really appreciative of. I enjoy and feel comfortable having Christine as my FA. Definitely will recommend her to anyone who needs financial advice!"

Michelle
Executive, Japan Desk

Very helpful, informative and patient

"Christine has been very helpful in my financial planning and she is very informative as well. She has been very patient in explaining to me the plans. Would highly recommend Christine to be your personal financial planner!"

Jasmine Kian
Early Childhood Educator

Helpful & Informative

"I was introduced to Christine by my sister to get insurance. As she helped my family with enrolling our plans. She is really helpful and informative in helping me understand what I’m getting and what works best for me.

Will definitely recommend Christine to anyone who are interested in getting an insurance plan."

Swee Ying Xin
Healthcare Admin

Helpful, trustworthy and friendly

“I'm very glad that I met Christine and being my insurance agent who is very helpful, trustworthy, and of course, a very sweet lady.

When I first got to know Christine, it was during Pandemic. So I only met her via video call. Finally, I am glad that I can meet her in person and she came across as a very friendly person.

She helped me understand more about insurance plans and recommended the plans which matched my needs. I will definitely recommend her and AIA as well as really appreciate for her professionalism and her efforts.”

Hnin
Assistant Lead Analyst, IHIS

Made sure I understood everything

“Christine explained to me in detail and made sure I understood everything before signing the application.”

Adwyn Tan,
Sales Manager in F&B

Pleased with her advice

Christine is helpful in drawing a clear financial plan and assisting in enrolling my entire family in the appropriate insurance program in Singapore. We are pleased with her advice and will recommend her to friends who are looking for the best insurance advisor!

Arunagiri Saravanan

Easy to talk to and helpful

"Christine is a very easy person to talk to & has been very helpful with her advice. Her explanations were clear and easy to understand. She will always update me on any updates on my policies. Hope to catch up with her again and appreciate her great service."

Chia Teck Wei

SINCERE, PROFESSIONAL, RESPECTFUL AND KIND

✨Since my first contact with Insurance Agents, Financial Planners, during my teenager years, there wasn't a moment of clarity & understanding. All I heard was this plan, that plan, this amount to pay, that amount to pay.

Fast forward to when Christine first met up with me, & suddenly, all the clouds lifted. She gave me feelings of sincerity, professionalism (with a human touch), respect & kindness.

God knows the number of times she has tried to arrange meeting up with me, but my work schedules were always in the way.

Finally we met up during my birthday month last month & she was there to advise & help & letting me know my financial capability & limit.

Everything was transparent & she made the whole meetup so comfortable for me. Chosen plans were initiated on the spot & follow-ups were prompt.

Now I no longer have doubts, because I know Christine has my back & she will be here for me, helping me better my life along the way.✨

Jerraine Ng, Beauty Consultant

Comfortable & easy-going

"Christine is comfortable & easy-going to talk to. I was a type of person who hated FA in the past. Highly recommend her!"

Koh Weng Guan

Sincere and patient

"Christine was very sincere and patient with my queries. She understood my needs and concerns and made suitable recommendations with long-term plans in mind. She’s definitely someone I would trust and consult."

Jacelyn, Educator

Very helpful

Shawn and Christine have been very helpful with explaining the different insurances plans. Helping me plan out my finances too.

Reubin Cheang

Gave great advice and felt comfortable

Christine was willing to listen and give advice where needed. She gave me great advice regarding how I could save my money in the future and also made me feel comfortable chatting with her. Thanks for helping out today!

Joshua Sim, NSF

Warm and friendly, prompt in follow-up

I met Christine during the COVID Pandemic over a zoom call, even then it was easy to connect with her. She put down all the products that were available to me according to my choice and taste and of course guiding me through the pros and cons of each of them. A difficult task especially when done virtually.

Recently I had the opportunity to meet her in person, she came across as a very warm and friendly person. She explained to me in detail how the current financial situations are affecting products and what to expect once recovery happens.

She is a good listener and makes it a point to follow-up on things that gets discussed during the meetings. I would definitely recommend her to my friends.

Nair Santosh

HELPFUL & GENUINE

"Christine was courteous, very helpful and genuine. I felt comfortable sharing my challenges with her and she patiently shared with me and advised me. She is genuine and she honestly shared the pros and cons and the benefits I need. She also ensured that I understand every detail of my medical coverage.

I had a bad experience with my past financial planner but Christine really went an extra mile to assist me with every enquiry I had and I feel assured and confidently trust her with my medical coverage. I will highly recommend her to all my friends!"

Isaac

Informative & Helpful

"Christine has been very informative & helpful through our journey together. She informs me of policy changes & is genuine in guiding & advising me with my policies & assets.

I enjoy our yearly meet-ups where we get to catch up with our life stories & policy updates. It has been a blessing to have her as my FA & I appreciate her work, effort spent to make everything personalised! Cheers!"

Siti Hajar

Friendly and trustworthy

"Christine is a very friendly and trustworthy financial services consultant. She taught me lots of tips on financial handling and planning in managing my funds for my future. Never feels stressful when talking to her for financial advise, she will listen to you and provide you with the right suggestions at the end of the day.

Even if the solutions provided is not what you want, she is still a friendly listener. I will definitely recommend Christine to my friends if they need help in insurance and investments."

Jamie Lian

Prompt, clear, reliable & knowledgeable

"Approached Christine in March to do some financial planning after I started my first job. She was very prompt in setting up an appointment and glad to help.

During the financial planning session, she thoroughly went through my financial needs and curated a plan that would fit my budget.

Christine is clear, reliable and knowledgeable in providing the advices. She also provided prompt assistance when I had to be hospitalized for an accident.

Will recommend Christine to anyone looking to sort out their financial planning."

Ying Yi, Marketing Manager
Shopee

Friendly and trustworthy

"Christine is a friendly and trustworthy financial services consultant. Unlike others, she will only recommend products according to your needs and there is no stress talking to her. I will definitely recommend Christine to my friends if they need help in insurance and investments!"

Guo Bizhu, Process Technician

Patient and not pushy

"Very thankful to my agent, Christine for being patient in her explanations to me and being very willing to share her knowledge. She is detailed in her work and professional in doing her presentations as well!

Appreciate her doing up my portfolio summary, allowing me to have a clearer picture and helping me to make an informed decision. She gives good recommendations based on my needs without being pushy!"

Ong Yan Xuan, Social Worker

Financial Review

"Christine helped to analyze the needs in my portfolio and accommodated to my desired lifestyle. She also explained the details of different policies in a way that was easy to understand. Most importantly, she is very friendly and approachable which made it easy to discuss about my insurance needs."

Alvin Tan, Quant Developer

Annual Review

"Christine understands my concerns & puts in the effort to catch up and listen to the problems I am facing before advising me on the steps to take. I feel comfortable as she allows me to grow my portfolio at my own pace and does not try to hard sell. It's been a pleasure truly to be working with an agent like Christine."

Charmaine Cheong,
Marketing Manager

Extremely helpful & meticulous

"Right from the start, Christine has been extremely helpful and meticulous, always ready to help and answer my doubts. Through her, I was able to understand more about the policies and how I can better future-proof my life!"

Rachel Khor, Art Director

Professional & provided valuable advice

"Christine, you are very professional in your work, you have provided me with valuable advice for my health insurance planning and you are very friendly. Not only I get great service from you but I also get a great policy for my insurance.

Thank you for your patient assistance during my state of confusion and helping me bundle everything together. I will highly recommend you to others for their insurance needs. Have a blessed day!"

Hnin Thet Wai,
Senior System Analyst

Patient and generous

"Christine’s a patient, yet generous FA who ensures that I understand my portfolio well. Whenever I’ve got any queries, she doesn’t hesitate to give lots of information for me to understand and educates me well on each of the policies I have. I hope you’ll strive well for your career and go all the way till MDRT or even bigger hahaha jiayouss :D"

Claira Su

Superbly Patient

"Christine has been very friendly & helped to kickstart my insurance journey. She constantly keeps me up to date with any seminars & talks that are ongoing about finance and future planning.

Thanks for being superbly patient with me and for keeping close contact with me, and helping to make the best plan for me within my financial means."

Lee Xin Rui, Fashion Merchandiser

Easy to talk to and detailed

"Christine is very easy to talk to. Since I'm very new to investing, she explains everything clearly and in detail. She cares about her clients' goal and looks after them very well. If I have any concern/question about my investment, she's always quick to reply and help out in any situation."

Angkanasirikul Warinthorn

Wealth Protection & Accumulation

"Christine was very patient in helping me to understand more about financial planning. She is very detailed in planning out a suitable financial portfolio for me and also make sure that I am comfortable with it.

With her advise and guidance, I am sure she will be able to help me in the long run."

Chong Zi Yee,
Customer Service Assistant

Family Portfolio Review & Planning

“Thank you Christine for your detailed and concise explanation for all of our policy plans. Appreciate your patience on running through all the administrative matters, and giving us advices on other policies to consider (per our age group) and it’s relevant upgraded benefits.

她很用心和耐心向我们讲解相关事项，也向我们提出好点子，是一个友善的顾问!”

Han Family

Insurance & Financial Planning

It was great catching up with Christine as she is very friendly. I am thankful for her sharing regarding the medical card knowledge. Hope to catch up with her again and appreciate her great service.

Peter Ling

Genuine & Knowledgeable

"Christine has helped me get a better understanding of my financial portfolio. She took the time to break it down into different segments and help me identify areas I can focus on to help improve my financial security. She takes into account my current income and spendings before advising on how I can achieve my short and long-term goals.

I appreciate that she did not hard sell any investment plans knowing that my money was tight for achieving my short-term goal which a lot of other advisors I meet do. Christine is someone who genuinely cares for her clients and is very knowledgeable in her field, I highly recommend her👍"

Bryan Toh
Military Police, SAF

Prompt, detailed & patient

"Christine has been my financial advisor / Insurance Agent for a few years already. One thing about her is that, she is prompt in her replies and helps to also remind me when payment is due. And though I may not reply at times, she will make sure to message again to remind me. I feel that it’s something most people wouldn’t take the time or effort in doing.

She is a very detailed person who will patiently explain anything you need to know about the plans as well."

Resha
Operations Executive

Financial Review & Planning

"Christine was helpful with her advice and I've benefitted a lot from her help and assistance. Most importantly, her explanations were clear. Whenever there are any updates on my policies she will inform me."

Kui Cheng, HR Admin

Introduction to Financial Planning

"Christine was very personal, approachable, and professional in answering my doubts and questions about the various products available in the insurance industry. This helped me scope my thoughts to think about what I really want. "

Si Han, Engineer

Meet someone interesting

"Before the meet up with Christine I had a quite a bad experience with my insurance policies with other agents but after the appointment with Christine with her professionalism I had a better understanding on how the policies works & had a better vision on the policies and what I should go for with a better planning in the future."

Lee Wei Ming James
Field Engineer, Starhub

Manager's Endorsement

"Christine began her journey with TrueNorth 3 years ago as my personal assistant and claims specialist, then subsequently she became a Financial Services Consultant.

She has always been a very dependable and excellent teammate. She is hardworking and driven, carrying the spirit of excellence in wanting to improve herself and achieve greater heights!

She is professional and responsible in servicing her clients. Everybody she has worked with have only good things to say about her.

She is no doubt a valuable family member of our TrueNorth Family!"

Shawn Ng,
Financial Services Associate Director
TrueNorth Financial, AIA SG

Financial Review & Planning

"Prior to meeting Christine, I was quite confused and unsure about the different policies that I had previously signed up for. Christine took time to explain to me, and gave me a clearer picture of my financial planning as a whole. She was very helpful and explained in details to allow me to better understand before committing to AIA."

Erica Ng
Distribution & Marketing Executive
Clover Films

Insurance & Wealth Accumulation

"Christine has been very helpful & informative when advising me on her policies. She gives her insight and advise on my financial status & plans for my future. She takes into consideration my spendings & income, and ensuring I am comfortable with the amount paid yearly. She is very professional and knowledgeable with her plans. Wishing you all the best for 2021!"

Siti Hajar, Admin Assistant
Ministry of Education

Wealth Protection Planning

"Professionalism is the first word that comes to mind when I look back to appointments with Christine. She has a good grasp of the various policies available and comes prepared with the client's financial needs in mind. More importantly, she is dedicated and possesses active listening skills that enables her to propose the right financial solutions. I also appreciate her efforts to continue remaining engaged with clients and for doing periodic reviews on my financial portfolio."

Dyian Lim, Junior Trader
Theme International Trading SPC

Financial Planning & Accumulation

“Before meeting Christine to talk about financial planning, i was pretty unsure about my financial status but after having a honest talk with her, i’ve come to understand more about finances and how i can protect myself better currently and how to prepare for retirement. Christine was very patient and gave great clarity in explaining to me areas in which i an unsure of. I can tell that she is very passionate in what she does and i feel safe to trust her with helping in my financial planning. Thanks Christine!”

Wanessa

Financial Review

"Before I met Christine I was pretty much clueless about insurance plans & investments. However, Christine was very patient in explaining to me the different types of insurance plans and advised the suitable plans for my requirements and worries.

I am glad that I got to discuss with her as the session lessened many of my worries about the future. Overall, a very helpful and patient advisor & I strongly recommend!☺"

Sameera

Financial Planning & Review

"Before meeting Christine, I barely had any knowledge of financial planning as I have not really thought about it. With Christine's help, I am more confident with the knowledge of financial planning and will be able to plan better for myself. It was also a good timing to meet as I still have time to do proper plannings until I graduate. She is definitely helpful and it was an important opportunity meeting her."

Austria Chris Anthony Bala
SIT Undergrad

Financial Planning & Investment

"It was a great experience dealing with Christine and Ida. They were helpful in review of my existing policies and provide advice. They were able to present the information in a way that was clear and easy to understand."

Heng Shu Wei
Senior Engineer

Wealth Accumulation & Preservation

"I've always wanted to know how I can make my money work for me but did not know where to begin. After talking to Christine, she has provided me a clearer understanding and direction on the types of savings and investment plans that can help me work towards and achieve the life long goals I've set for myself. She has been really helpful and patient throughout the process, I'd definitely look for her should I need any advise on financial planning!"

Clarissa Lim
Performance Marketer

Financial Planning

"Christine was really helpful with her advice, and my session with her made it quite clear what goals I can work towards for the future. She was also very patient with understanding my needs and situation and very considerate about my personal inclinations."

Clara Soh, SMU Undergrad

Accident & Health Insurance

"I am very grateful to have met Christine. Even though due to the covid-19 that has made things difficult for all of us to meet & discuss matters, Christine has been very helpful to let me know what I need and what insurance policy that I need and what matters to me the most, which is my health.

I will definitely refer Christine to my friends and looking forward to meeting her and discussing more policies in the future."

Chia Teck Wei, Chef
Andaz Singapore

Financial Review

"Christine is helpful in assisting me about my existing policies to do a review and at the same time manages the portfolio to meet my needs, which can be very handy if situation or circumstances occur.

She is also engaging and passionate about wanting to help me as well as people around her, so as to better prepare me to consider important aspects of life in terms of insurance and coverage."

Ang Jun Kai
Assistant Engineer

Financial Review

“Christine was very helpful and generous with her advice and sharing. Definitely learned a lot about my financial status and also tools that will be helpful for my financial planning. Would definitely approach her for more help!“

Jason Ang

Financial Planning & Investment

"Christine has been very helpful in helping me understand what plans are most suitable for me.
She was also clear and concise in explaining the details of each policy whenever I had questions/doubts.

She is passionate and takes a lot of pride in her work. I would definitely recommend Christine as an agent/ financial planner to my friends."

Melody Kok, Cabin Crew

Financial Review

"Christine has provided me with sufficient and concise information on how to manage my finance well for the long run. She is also patient in explaining to me matters regarding this aspect."

Bellennium Leong

Wealth Protection & Accumulation

"I was genuinely clueless about financial planning and wanted to find out more from Christine, she helped someone like me who was really clueless to figure out what financial planning is and gave me a plan that was suitable for people who are just stepping out into adulthood.

All her explanations were clear and I did not felt pressurised to jump into a plan that I was unsure about, overall a really great experience learning from Christine!"

Jessica Han, Account Manager
Kobe Global Technologies

Insurance Planning

"Christine was very understanding and took a lot of effort to understand my family situation and did not try to hard-sell but really advise me on what's good for me. Thankful to have her advice and looking forward to our working relationship."

Charmaine Cheong,
Marketing Manager

Financial Planning & Investment

"I am an expat from India, moved to Singapore recently. Wanted to start off with financial planning and investments. Being completely a novice in this field, needed some guidance regarding the procedures and formalities.

Christine really helped me and guided me through the entire planning process. It was a great experience to understand all the financial portfolios and exploring the best for my situation. I hope to continue this financial planning and investments in the future and also want to thank Christine for this wonderful mentorship and nice experience.

Thanks so much!!"

Milova Paul
Software Engineer
GlobalFoundries

Financial Review

"It was a joy to be schooled by Christine about finances. She has answered questions that I had about financial and wealth management and was so patient in answering all of my inquiries. She allowed me to be realistic about my fiances and desired to help me to plan my finances well for my future. Overall, the entire chat with Christine was very nice and comfortable. Thank you Christine for your heart and desire to help those around you to better their lives by helping them with their finances."

Michelle, LASALLE Fresh Grad

Financial Planning

"Couldn't meet Christine in person due to Covid-19. Nonetheless, she provided a clear online introduction of the total wealth management framework. As a graduating student with almost zero knowledge about financial planning, I have benefitted from Christine's explanations and took away some preliminary considerations for managing my finances after I start earning income. Thanks Christine for the session!"

Annabelle Lee

Financial Review

“Had my first meeting with Christine and it was a pleasant review session where we discussed about changes in finances and necessary policy changes to cover for my shortfalls. It was informative and definitely helpful for my future planning. Thanks Christine!”

Lim Kwuan Boon, Manager
The Teng Ensemble

Annual Review

“很感谢Christine 特地抽空来和我分享，讲解每个细节。很棒很棒。如朋友们有任何保险，saving 或investment 的意见，一定一定介绍Christine 给他/她们。“

Ting Koon Kiong, Executive Assistant

Annual Review

“谢谢Christine让我了解了更多保险知识。很有耐心的讲解给我听。抽出了宝贵时间，是个非常优秀的保险经理人。对保险的知识丰富又有经验。要了解关保险找她是最好的选择。”

Louis Ling, Hairstylist

Financial Review

“我很高兴认识Miss Christine能够分享关于投资和规划计的资料，我能够明白理财的需求，我也在她身上学了很多，我希望在未来可以获得财福谢谢Miss Christine花时间和用心跟我见面谈论。很感谢!”

Everett Lim Yong Khan
Chef, Grand Hyatt

Financial Review

“Christine was really patient and clear when explaining some of the financial terms that I was unfamiliar with. She shared with me what I should be focusing on now and also conducted a risk profile for me which I thought was really useful.

Also, the fact that she didn’t hardsell any products made it a really pleasant experience.”

Tee Jia Yi,
Data Analytics Consultant
Ernst & Young

Annual Review

“Christine is my financial consultant for AIA. Throughout my experience in meeting her, I can say that she is very knowledgeable and she knows her work well. She’s patient, and she definitely does not do hard sell.

She would take the initiative to get to know me better, my background and also my occupation before suggesting any policy that best suit me, without any worry. So far I’m comfortable to have her as my consultant as she preps me for the long term. I would definitely recommend her to some of my friends/colleagues.”

Mohammed Fairuz,
Auxiliary Police Officer
SATS Ltd

Annual Review

“Christine 是一位非常优秀的顾问。她不仅有专业的知识，还懂得如何替客户去做最完善的安排。为人随和，不拘小节。相信未来的她一定能够大展宏图!“

Shen Yuxuan, NTU Undergrad

Annual Review

“Christine is a cheerful and approachable person. She was able to explain those policies in a clear manner.”

Ishardi, IT Engineer

Annual Review

“Christine is very friendly and open. She answers my questions in a considerate manner. She also updates me on any new information from AIA. Thank you!”

Ponnarasi

Financial Review

“Christine has gone through the policies with me thoroughly and patiently. I felt grateful getting to know the calculations of policies so that I am informed. Lastly, she’s friendly and approachable!”

Aung Chan Min

Financial Review

“Christine 是一个非常有耐心而且洞察力敏锐的人。她能一针见血地知道我需要什么，同时也让我更加了解本身的财务状况。她也让我明白了，你永远都不会知道未来和意外哪个先到，所以做好保险是很重要的。谁会兴趣了解更多的话，强烈推荐她。”

Cynthia Tiong, Assistant Editor

Financial Review

“Christine has been detailed and patient in her short session in explaining what kind of ideas she advocate for in terms of wealth management and financial planning.”

Kris Aw, Game Designer

Annual Review

“Christine is very responsive and efficient. She was able to explain the policies in detail and gave some useful advice.”

Chan Kim Mun, Guest Service Agent (Healthcare)

Vitality Application

“Thanks Christine, process was quite smooth and we are happy :)”

Thuzar, IT Analyst
KPMG Services Pte Ltd

Financial Review

“Christine helped me out in better understanding of the difference and importance of the Accident & Hospital plan. Such as giving examples of not having the plans.”

Raina Ong, NTU Undergrad

Financial Review

“Christine approached me with a careful mind and allowed me to express my interest in Financial Planning. The session we had was educational for me and allowed me to gain further perspectives in terms of the finer prints of my future in time to come.

I like how she was able to grasp my position on point and also guided me to share more about my stand. A thoughtful and friendly person to hold a conversation with have made this time a fruitful takeaway. Thank you Christine!”

Wilson Khoo, Public Servant (SAF)

Financial Review

“Christine 人很好 😊 从以前的同事就开始认识她。之后她去做保险公司，也看见她的事业也越来越好，很开心她能找到一个对她有兴趣的工作！今天再次见到她的时候，她也讲解了一些关于我之前不懂的保险事情，多亏了有她，也让我明白了以后该如何去明白这些东西 😊 希望之后的她也可以再跟我分享关于保险的东西！今天的我真的收益良多!”

Chai Mei Yen, Senior Service Crew (F&B)

Financial Review

“Christine is really presentable, clear and most importantly, she listens well. She’s friendly and very flexible in my meeting place and time. She is also young and positive about the business.

Thank you for listening and making my sharing and my own goal clearer and help plan for next steps."

Erik Lim, Business Development Manager

Financial Review

“Christine, 谢谢你在保险方面分享。你让我了解到不同国家的保险制度。另外感激你的分析来符合我的经济要求，选择了贵公司最符合我的配套。还有还有，谢谢你给的两次宝贵的时间和我分析呀，感激不尽。”

Pang Zhen Tian, Engineer

Financial Review

“Christine has given me a better insight on financial planning such as other considerations to take into account when I wish to choose my financial plans. She is dedicated in planning the best possible plan for me, while also considering my needs.”

Muhammad Khalis, NUS Undergrad

Financial Review

“Before I met Christine, I had limited knowledge of my own personal financial planning. Additionally, I was wondering what I can do as a student whose only receiving allowance.

After the meeting, I had a new view of these plannings. How important it is to be aware of planning ahead. Christine guided me thoroughly regardless of the many questions I have. Thank you!”

Sharul Hazman Bin Rosli, NTU Undergrad

Financial Review

“Christine exhibits a wonderful premiere casual nature. Having a very comfortable and easy mood, while having a serious approach and onlook to finding whichever benefits her clients. Passionate and understanding, Christine carries these values and much more with great stride. I would highly recommend her.”

Robert Milan, Bartender

Financial Review

“The session with Christine was very informative. Points presented were clear, concise & well-evaluated. She’s a passionate speaker that is able to empathise with the client’s situation, and also a very professional and dedicated individual. 10/10 would recommend friends/family to approach her for any queries.“

Foo Chuan Kun, NTU Undergrad

Financial Review

“Hi Christine thank you for this sharing session. Although I already had a bit of knowledge with finance products, but she is very patient trying to explain in details of different product. She is also understanding even when she knows that I already had existing policy. She make the whole session very warm. There isn’t awkwardness despite our first time meeting.”

Jayson, Police Officer

Wealth Protection & Accumulation

“The whole process was conducted smoothly & efficiently... The terms were explained succinctly & knowledgeably... Keep up the good work!”

David Bek, Design Engineer

Financial Review

“Christine has provided a well rounded overview of wealth management and the gaps in my current insurance coverage. She is professional in her conduct and seeks to serve my needs, giving good recommendations towards the way ahead for me.”

Ho Peir Meng, Executive Engineer

Financial Planning

“Both Rene and Christine have helped a lot in my insurance planning. They have explained thoroughly on my doubts and make sure that I understand every procedure that I need. I will definitely recommend them to anyone that needs a Insurance Agent.”

Siti Khairunnisa, Credit Controller

Financial Planning

“Christine is a passionate and dedicated consultant who is very well-informed of her policies and plans. She is also diligent and highly efficient in getting back to me with whatever questions I have.

Despite being a friend, she have displayed professionalism throughout the course of our meetings and discussions. She is concise in explaining the importance of planning for unprecedented events while being authentic, valuing my needs and balancing it against possible short-term changes in my life. Thank you for being so thoughtful, Christine! :)”

Lim Yue Ying, Software Engineer

Financial Planning

“Talking to Christine makes me realise my need to have basic protection plans, especially when I live here without my family. She offers me options for plans that are suitable for my needs at this time and tally with the budget I have.

I can trust her to have the best interest for me and I can look to her when anything happens because she’s also my friend.”

Sulin, Graphic Designer

Financial Planning

“Christine was very respectful and wasn’t pushy when it came to discussing about the financial topics in our conversation. If you have any enquiries pertaining to financial planning, you can look for her.”

Lim Jiamin

Financial Planning

“Christine has been a kind and thoughtful advisor, who is thorough and professional in handling my case. Thank you for the genuine and friendly discussions.”

Jacqueline Lie, Teacher

Financial Review

“Christine is a very friendly and cheerful individual. She was willing to explain the policies in detail and put in effort to understand my current situation and needs. She also helped me understand how to better plan for my future needs and how to maximise my coverage with my budget.”

Koh Rong Hui, Army Engineer

Financial Review

“Christine gave me a better understanding on wealth planning priorities and how investments will benefit me in the long run. The whole session was short and simple, it was very easy to understand.”

Joey Goh, Senior Manager (F&B)

Financial Review

“Christine provides detail explanation on the policies that are suitable for me. She answers to all my enquiries and doubts patiently. The meetings were planned well and in a professional manner. I would definitely recommend her to my friends and family.”

Natalie Wong

Financial Review

“Christine was very helpful and patient in explaining my current policy to me. She is very knowledgeable and was able to provide me with helpful advices. I’ll definitely seek her professional help when I’m looking to purchase any plans or need financial advice! Thank you Christine!”

Lim Shi Ping

Financial Review

“Christine provided an extensive overview of wealth management and made me realise the importance of my future needs. She was also attentive in understanding my needs by being a very good listener and providing me with good advice.”

Janice Foo

Financial Review

“Christine is very clear with her delivery of all the information regarding the different protections & the coverage, especially for a beginner like myself. She is also professional & legitimately cares to design specific plans & have follow up meeting if need be.”

Brandon Chia

Financial Planning

“Today’s meeting with Christine has helped me to better understand the importance of financial planning. I also have a better idea of the available plans that are suitable for me. Christine also helped to come up with a plan that is comfortable for me in my current situation.”

Greta Lau, Assistant Producer

Financial Planning

“I feel very relieved to have Christine as me & my son’s Financial Advisor as she’s very meticulous & caring! She recommends plans that meet our needs & also listens to my concerns and constraints as a mum. I always feel very comfortable around her & know for sure that she has our best interests @ heart.

She is also very thoughtful towards my tight schedule & works around it to accommodate us. Thanks so much Christine! ❤️”

Phebe Shin, Senior Executive

Financial Review

“Christine was helpful in showing me where money would come in to play a huge part in my life -> I.E Accident, illnesses and how investing long term is important. There was no judgement when sharing about my own lifestyle/spending habits and that was something that made me feel comfortable to trust her to share more and listen to the advices she has.”

Xavier Lim

Financial Review

“Christine is very patient and detailed towards my financial needs and was ready to answer the questions I have. I can tell that she really does put effort in serving her client the best and really appreciate her effort!”

Wong Yu Ting

Financial Review

“For a person that has no knowledge about my financial plans or insurance related plans, Christine has briefed me well and enlightened me of what needs to be done. She also helped me understand some plans better as well as the plans that I can consider to purchase for my future. During the session, she was also very genuine towards my concerns and needs.”

Rachael Chua, Early Childhood Educator

Financial Review

“Christine was clear and concise in her presentation on everything I would need to lead a comfortable and worry-free life. I would definitely trust her with any financial commitments I make in the future based on the advice she’s given.”

Kenneth Yeo

Financial Review

“Christine has been extremely patient & professional in catering for my specific personal needs. The whole process was clear and informative. This is the first trustworthy and most assuring financial review I had. I’m thankful for the thorough explanation and service she has provided.”

Alicia Lim

Financial Review

“I’m glad I got to meet with Christine to hear about her perspectives on wealth management as well as share about my priorities & limitations.

I’ve known Christine as a friend for a couple of years now and in addition to being the approachable and amicable person she has always been, she carries herself with utmost professionalism as a financial advisor.

In a time where many fresh graduates are becoming financial advisors, I really respect and admire that she has strong personal reasons for entering the industry and that her interaction with her clients is governed by strong values and principles. She is definitely someone I will trust to advocate for me.”

Emily Soh

Financial Review

“Christine was very informative on what she does and everything was very well explained. She was prepared to evaluate my financial situation so as to ensure that I chose the right plan with her assistance.”

Eileen Soh, Aspiring Pastry Chef

Financial Review

“Christine was patient and attentive in her guidance through all of her recommendations of financial planning. She asked really relevant questions about my financial planning for my present and future situations.
Enjoyed discussing and sharing with her about my plans on income expenses and savings, will definitely trust her in being my financial advocate for the rest of my life!”

Jenny Han, Project Executive

Financial Planning

“Christine was very helpful to me as I wasn’t familiar with my current policies and how I could be benefitting much more with the same amount of money I was paying by finding the most suitable policies for me. Thank you!”

Qing Yan, F&B Courier

Financial Review

“I felt that Christine was very clear in explaining the benefits of protecting wealth and protecting against unexpected situations in life such as death and illness. What I learnt is my lifetime salary may not be enough to cover the cost of any major setbacks in my life.”

Rosalind Ang

Financial Planning

“Christine was very clear in explaining the different policies and how it will benefit me. As a first timer, everything seems confusing but with Christine’s help, I was able to narrow down and pick the right ones.”

Eleanor Ng, Production Manager

DISCLAIMER

This is not an official AIA web profile. The views and opinions expressed in this publication are those of the author and do not reflect the official policy or position of AIA Singapore Private Limited (Company Registration No. 201106386R) (AIA), any other agency, organisation, employer or company. Assumptions made in the analysis are not reflective of the position of AIA other than the author.

Christine Ng

Senior Financial Services Consultant

Christine Ng

Senior Financial Services Consultant

Newsletters

Articles Worth Sharing

Newsletter Issue 93: Happy Travels

Newsletter Issue 92: Family First: From Exams To Finance

Newsletter Issue 91: Persistent Progress, Purposeful Pursuit

Newsletter Issue 90: Stretching The Dollar

Newsletter Issue 89: Boost Immunity, Travel Safely

Newsletter Issue 88: Keep Cool & Beat the Heat

Newsletter Issue 87: Growth and Transformation: Nobody Said It Was Easy

Newsletter Issue 86: Plan Well. Age Well.

Newsletter Issue 85: How To Ride The Dragon

Newsletter Issue 84: Reflect, Review & Recharge

Newsletter Issue 83: Holiday Highlights: Echoes of Joy

Newsletter Issue 82: Inflation & You

Newsletter Issue 81: Empowering Children

Newsletter Issue 80: Home Dreamers

Newsletter Issue 79: Before It's Too Late...

Newsletter Issue 78: Unlocking Potential of Our Awe and Envy

Newsletter Issue 77: Living with New Realities of AI and ChatGPT

Newsletter Issue 76: In Honour of Moms

Newsletter Issue 75: Keep Calm & Innovate

Newsletter Issue 74: Bright, Brainy & Beautiful Living

Newsletter Issue 73: The Golden Gift of Intentional Quiet

Newsletter Issue 72: Finding The Silver Lining

Newsletter Issue 71: Planning Ahead

Newsletter Issue 70: Taking A Walk

Newsletter Issue 69: Mind Over Money

Newsletter Issue 68: Navigating Differences, Conflicts and Relationships with Maturity

Newsletter Issue 67: Better Than Before

Newsletter Issue 66: Self-Doubt & Self-Confidence

Newsletter Issue 65: 80 Summers, 80 Winters, 1 Life

Newsletter Issue 64: Travelling Again

Newsletter Issue 63: Being Positive

Newsletter Issue 62: Social Media and Mental Health

Newsletter Issue 61: Being Savvy This Festive Season

Newsletter Issue 60: Looking Towards 2022

Newsletter Issue 59: 6 Essential Money Moves To Make In Uncertain Times

Newsletter Issue 58: Misconceptions that hold us back

Newsletter Issue 57: One Thing At A Time

Newsletter Issue 56: Habits & Decisions That Compound

Newsletter Issue 55: Managing Burnout

Newsletter Issue 54: On Leadership

Newsletter Issue 53: Productivity, Personal Effectiveness & Meaning

Newsletter Issue 52: Living A Good Life

Newsletter Issue 51: Dignity and Why It Matters

Newsletter Issue 50: Empowering Women In Our Midst

Newsletter Issue 49: The Gift of Paying It Forward

Newsletter Issue 48: Done is Better Than Perfect

Newsletter Issue 47: Of Languages, Love and Possibilities

Newsletter Issue 46: Guiding Principles and Tips on Taking Charge of Finances in Our Lives

Newsletter Issue 45: On Teaching, Learning & Growth

Newsletter Issue 44: The Ability to Rethink & Reassess Our Minds

Newsletter Issue 43 : Staying Grounded in Things that Serve Us

Newsletter Issue 42 : Moms Never Retire?

Newsletter Issue 41: This is the 8th Wonder of the world - Einstein

Newsletter Issue 40 : Mastering the Skill of Learning New Skills Fast

Newsletter Issue 39 : What is hurting Employees and Employers

Newsletter Issue 38 : Holding Space in Difficult Times

Newsletter Issue 37 : Covid19 - No turning back from a new future and reality

Newsletter Issue 36 : Make these 6 decisions

Newsletter Issue 35 : When the going gets Rough

Newsletter Issue 34 : Trust, Relationships and Emotional Security

Newsletter Issue 33 : These are simply worth sharing with you

Newsletter Issue 31 : The Power of Tiny Gains

Newsletter Issue 30 : How the World forgot to sleep

Newsletter Issue 29 : Don't leave life without it

Newsletter Issue 28 : 8 Ridiculously Good Recipes That Only Take 15 Minutes

Newsletter Issue 27 : Life's most Powerful Lessons

Newsletter Issue 26 : 3 Financial Wisdom from a woman with 3B Net Worth

Newsletter Issue 25 : Come 15th May, Singaporeans have One more thing to be proud of

Newsletter Issue 24: The Interesting secret

Newsletter Issue 23: The way we Think

Newsletter Issue 22: Why Happiness is linked to Deep Talk

Newsletter Issue 21: Half of the jobs in 2020 are not yet known

Newsletter Issue 20: Your Life is About to Change

Newsletter Issue 19: The Indispensable Power of Story